Friday, January 10, 2014

God Has Big Plans for Your Life

God has big plans for your life. Are you ready? For many, now is the beginning of a new season spiritually, where God is going to expand your reach and speak directly to you in ways you have not experienced before. Now is not the time to shy away from what God is calling you to, but to step boldly into this new territory.
Many are entering a new season spiritually.

Let Them Hear is also entering a new season.

But first, we send our congratulations to the winner of the Are You Ready? Giveaway. I believe God is excited when we come into alignment with his purposes and prepare ourselves to serve Him, so it’s great to celebrate your preparation along with God! Well done!

In this new season for us, we’re going to continue our break from weekly posts. People have asked why we took a break in the first place, and the answer is God has appointed a couple tasks for me to complete before I finish the message of this blog. I’m writing a book, which I hope to share news about with you shortly. And I recently agreed to do a short-term research/writing project for International Justice Mission, a non-profit that combats human trafficking and slavery worldwide. When these projects are completed, as the Lord directs, I will turn back to the blog.

God has chosen us to live in exciting times. The urgency to understand God’s plans and align ourselves with them has never been greater. During the break from blogging, I will continue to research and prepare my household so I can, Lord willing, share with you the most relevant and crucial ways to prepare for what lies ahead.

Wednesday, November 27, 2013

The "Are You Ready?" Giveaway Next Week!

We are living in a time to prepare for what God is about to do on the earth, and Let Them Hear is ready to celebrate your preparation. We will be announcing a winner for the “Are You Ready?” Giveaway for your spiritual preparation next week! We’ll accept entries until this Friday, November 29, 2013. To enter just send an email to me at KatharineHWang@gmail.com or post to the website saying that you have checked of the spiritual preparation checklist (located here). The winner will be chosen at random from all entries and will receive a $25 Target gift card. Or, the winner may chose to have a $25 donation made in their name to a selected charity.

The “Are You Ready?” Giveaway for our financial preparation will remain open until we begin the next phase of the blog. To enter, send me an email at KatharineHWang@gmail.com or post to the website saying that you have checked of the financial preparation checklist (located here).

The winner will have 48 hours from when the winning email confirmation is sent to claim the prize. If the prize is not claimed in 48 hours of the winning email confirmation being sent, then the prize may be forfeited and another winner may be selected from the remaining entries.


Let’s celebrate preparation!

Monday, July 22, 2013

The "Are You Ready?" Giveaway--Phase 2!

Because knowing what lies ahead does us little good unless we prepare for it, Let Them Hear is serious about encouraging people to take action. We’re so serious that we’re going to take two actions ourselves:

  1. We’re taking a break. In order to give you adequate time to prepare your finances for the coming crisis, we’re going to take a few months off from our weekly posts.

  1. We’re giving you an incentive. Prepare yourself spiritually and financially during our break, and you may win something more than peace of mind. We’re going to give away two gift cards (details below).
Now is a time of preparation for what lies ahead. We’ve discussed spiritual preparation and financial preparation. When we return, we’ll discuss the last part— practical preparation. May God bless you during our time away!
We're giving away gift cards to encourage you to prepare!
Image by digitalart


Details about the Giveaway

We’re giving away two gift cards—one for the Spiritual Preparation Checklist and one for the Financial Preparation Checklist.


  1. We will choose one winner for each Checklist at random from all the people who have commented on the checklist page letting us know they’ve completed the checklist and all the people that have emailed me saying that they’ve completed the checklist. Only one entry per checklist per person except as noted below.
  2. Comments posted to the Spiritual Preparation Checklist before July 1, 2013 will count as ten entries per person. (The extra weight is to reward folks for their early preparation.)
  3. The winners will have 48 hours from when the winning email confirmation is sent to claim the prize. If the prize is not claimed in 48 hours of the winning email confirmation being sent, the prize is forfeited. Another winner may be selected from the remaining entries.
  4. Prizes will be announced in the Fall of 2013, sometime before Thanksgiving. We’ll post the exact date closer to the time. We want to give people plenty of time to really work through financial preparation.

Sunday, July 7, 2013

Financial Checklist

Our goal is not to understand what lies ahead, but to prepare for it. We desire to work with God in what he’s doing on the earth in our generation. A few months ago, we put together a Spiritual Checklist to help us prepare spiritually. We now introduce our Financial Checklist.

Complete the checklist and leave a comment or send me an email letting me know you’ve done so. We’ll soon announce a GIVEAWAY based on the checklists.

Financial Checklist
  1. o I understand that God cares about how financially responsible I am.
Are you financially ready?
Image by David Castillo Dominici
  1. o I have reviewed my finances and:
    1. o  Created a budget;
    2. o  Adjusted spending to live within my budget;
    3. o  Taken an inventory of my assets.
  1. o I understand I may have to rearrange some of my assets to prepare for a coming economic crisis because the crisis will impact different parts of the economy differently.
  1. o I realize that inflation will be a good indicator of when the financial crisis will hit.
  1. o I have rearranged assets as necessary to prepare, as best I can, for the failure of: 
    1. o the U.S. dollar;
    2. o the stock market;
    3. o the bond market;
    4. o the housing market;
    5. o the job market;
    6. o Social Security;
    7. o my bank;
    8. o the national debt
  1. o I have considered moving a portion of my assets to areas likely to be hit less hard in a financial crisis—such as precious metals or other assets not printed by a central bank. 
  1. o I will share my resources with the needy.

Sunday, June 30, 2013

Building a Firm Financial Foundation

We’ve been talking about how to rearrange our assets to preserve them during an economic downturn. There is something far more important, though, than just making it through this next economic crisis. Building a truly lasting financial foundation is perhaps the most important thing we can do with our money.

The Coming Age

Even the best financial advisers on the planet can only tell you how to generate wealth in this life. Who cares about money in this life? How long can it last? Did you hear about the 84 year old woman who just won the lottery? How long will that money do anything for her?

What is far greater than storing up wealth now is laying a solid foundation for the coming age. After this life is over, you will live forever in what the Bible calls “that which is coming” or “the coming age” or even “the next life.” In a heaven and earth ruled by Jesus Himself, those of you love him will live forever. Forever. That’s the age we should be focused on when building our wealth.

The Secret to Endless Wealth

Generosity builds a foundation for anything
we want to build for ourselves forever.
Image by Worakit Sirijinda
How do you build wealth that lasts forever—that carries over even into the coming age? The Bible actually tells us how to use our money in this world to construct a firm foundation for ourselves in the next life. What must we do with our money now? We must be “generous and willing to share” (1 Timothy 6:17).

Those who do “will lay up treasure for themselves as a firm foundation for the coming age, so that they make take hold of the life that is truly life” (1 Timothy 6:18).


The secret to treasure forever is generosity now. Every dime you wisely share is laying a solid foundation for you to enjoy forever. Think about it. Not just to enjoy for another few decades, but for always.

 
Brewster’s Millions

There’s an old movie where in order to inherit $300 million, the hero had to waste $30 million in 30 days. If he had just one cent left, he would lose the larger inheritance. In a sense, our lives are like the 30-day test. How we spend our money—and how generous we are with it in particular—will determine whether we get a larger, forever-lasting inheritance.


Let’s not generate wealth just for this age, but let’s build something that will really last.

Sunday, June 23, 2013

How Much Gold Should You Buy?

If the economists are right and the average American should purchase precious metals—to protect against a world economy heading towards failure—the question naturally arises, “How much gold should I buy?”

The answer depends on who you talk to. Experts tend to advise placing 1-20% of assets in precious metals or precious metal related investments. It really depends on your own comfort level, though.
Many experts suggest placing
1-20% of assets in gold.
Image by Boians Cho Joo Young

If you’re investing in gold to diversify your portfolio, some experts suggest placing between 1-5% of your assets in precious metals.

For example, the University of Texas decided to invest 5% of its endowment in actual bars of gold a couple years ago. (With gold’s recent plunge, the endowment fund is actually considering buying more.) For the fund, gold is a hedge against inflation and a way to diversify its portfolio. The fund’s head recently announced he won’t exit gold until central banks tighten the money supply.

If you’re investing in gold to protect your assets from an economic collapse, some experts suggest placing 5-20% in precious metals—and their related investments (like EFTs and mining companies). Start with a small step. You can always buy more as the economy begins to worsen.

Here are a couple strategies I’ve heard or read experts discussing recently:

  1. Placing 1-5% of assets in precious metals now. When inflation takes off, shift an increasing amount of assets away from areas that will be hardest hit into precious metals.
  2. Purchase a small amount of precious metals every month or so. Perhaps a small coin as often as you can.
  3. Save change or birthday or Christmas money and buy a coin from a dealer instead of spending that money on something else. Every little bit will help.

When a Little is a Lot
Don’t be deceived into thinking that investing in precious metals isn’t possible because you aren’t rich. Just a few dollars can buy a silver coin. And if the price of gold and silver skyrockets after an economic collapse, your little silver coin can be worth a lot of money. You could provide for your family, or help your neighbors, by shifting small amounts of money now into precious metals.

The Call to Prepare
God is calling his people to prepare for the days ahead. There is no reason why the future should catch us off-guard. Part of our preparation must be financial. We need to prayerfully ask whether each asset is invested where God would have it.


In the days ahead, God is going to ask some of you to provide for others. Will you have the resources to fulfill his call? If you prepare now, you will. But if you don’t prepare, you will fall short of your calling.  

This blog makes no representation regarding the advisability of investing in the products mentioned here. Opinions and forward-looking statements expressed are subject to change without notice. This information does not constitute investment advice and is not intended as an endorsement of any specific investment. The information contained herein is general in nature and is provided solely for educational and informational purposes. The information provided does not constitute legal, financial or tax advice. You should obtain advice specific to your circumstances from your own legal, financial and tax advisors. As with any investment, past performance is no guarantee of future performance.

Sunday, June 16, 2013

5 Ways to Buy Gold

Many experts are advising that the average American should purchase gold and/or silver. But purchasing precious metals is more involved than exchanging currencies at the airport. There are at least five different ways to purchase or invest in precious metals—and each has their pros and cons.

Method #1: Local Coin Dealer
If you buy from a local dealer, experts suggest choosing one who’s been around for 30 years and is listed with the Better Business Bureau. You’ll pay more to buy or sell locally. Experts say don’t pay more than 5% to 6% above the spot price when you buy and don’t accept more than 1% to 2% below spot when you sell.
Image by foto76

What kind of gold or silver coins should you buy? Stick to well-known coins minted by the governments of the U.S., Canada, or a few other countries. They’ll be easier to sell when the time comes.

Where do you put the coins? Experts suggest placing the coins in a safe deposit box at the bank rather than a home safe.

Method #2: National (Online) Coin Dealer
You can buy precious metals online from dealers like MONEX. They usually offer a discount as compared to local dealers, but you will likely have to purchase in large quantities to receive the discount. They’ll ship the coins to you (insured of course).

Method #3: Shares in Gold
Buying gold shares in an Exchange-Traded Fund (EFT) is becoming more popular. Some of these funds track the price of gold by buying some bullion. They are easily bought and sold on the stock market and you don’t have the hassle of storing the metal yourself. Of course, you don’t actually have the metal itself, either.

Method #4: Making Retirement Golden
Some companies specialize in holding retirement funds (like an IRA rolled over from a 401(k)) in gold or silver. They store the metal and you can sell it at retirement (or before for a penalty).

Method #5: Shares in a Mining Company
Buying the stock of a mining company can be much more risky than buying the metal itself. At times, though, 401(k) and other retirement funds will permit the purchase of these stocks, but not other gold-related funds.


How much gold or silver should you buy? We’ll explore the answer in the coming weeks, but most experts suggest placing anywhere from 1%-20% of your portfolio in precious metals or precious metals related investments.

The Bottom Line
At the end of the day, it’s more important that you shifted your assets than the exact method you used to do so. If God is calling you to prepare for the difficult financial times ahead, and you act faithfully, he will take care of you and bless your actions.


Remember that God’s provision for the days ahead is YOU. So let’s prayerfully consider what we need to do now financially to prepare for what lies ahead.